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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
Annual fee
₹4,999
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Legend Credit CardVisa · IndusInd Bank | SBI Card MILES ELITEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IndusInd Bank | SBI Card |
Card | |||
Annual fee | ₹1,000Best | ₹3,000 | ₹4,999 |
Joining fee | ₹1,000Best | ₹3,000 | ₹4,999 |
Reward rate | 3X on online; 2X offline | 3 reward points per ₹100 | 6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹200 on all other spends; Travel Credits convertible to Air Miles / Hotel Points (1 TC = Re. 1) or used for Travel Bookings (1 TC = ₹0.50)Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, rewards | rewards, premium | — |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
SBI Card
6 Travel Credits for every ₹200 spent on travel; 2 Travel Credits for every ₹… — Best for .
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